Deferred Retirement


Deferred retirement means you are leaving your contributions and interest on deposit with MercedCERA until you begin receiving a pension in the future. This option is only available if you are fully vested with at least five years of retirement service credit or reach age 70.

As a deferred member, you may receive your retirement allowance any time that you are eligible to retire. In order to apply for retirement, contact the MercedCERA office when you are eligible or want to receive benefits. 

Deferred members may cancel their deferred retirement and withdraw any accumulated contributions prior to receiving a retirement allowance, unless you have established reciprocity with an eligible public agency.